Comprehensive Car Insurance

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Comprehensive Car Insurance

How would you cope if you lost your car? Could you afford to replace it if it got stolen, or damaged in an accident? With comprehensive car insurance you'll be completely covered if anything happens to your car*, even if it's your fault - so you won't be left stranded without your wheels.

Comprehensive Car Insurance in brief

With our comprehensive car insurance you'll be covered for the damage to your car and any others if you have an accident which is your fault. We'll pay for all the repairs to the other vehicles, plus the cost of repairing or replacing yours up to the amount you've insured (either a fixed sum, or the market value of the car at the time you make a claim).

When you take out a new Comprehensive Car Insurance policy you'll get an exclusive 12 month membership to our incredible rewards program, worth over $1,000. 1300 Insurance Rewards membership gives you huge discounts of up to 40% on hundreds of products and services, including gift cards for stores like Myers and Coles and tickets for movies, events and attractions.

Add a new home or contents policy to your car insurance and save up to 25% on the cost of your home and contents premiums.

There's no waiting around with 1300 Insurance. With instant quotes, no tedious forms, and the choice of annual, monthly or fortnightly premiums, it couldn't be simpler to get the insurance cover you need. If you need same day cover, your insurance will start the moment we accept your application and issue your policy documents.

Our comprehensive car insurance is the affordable way to protect yourself in case something happens to your car. Our premiums are highly competitive, and you can save even more money by increasing the excess.

If you want even better car insurance cover we offer a range of great extras you can add to your policy. 

  • Hire car after an accident
  • Roadside assistance
  • No claims bonus protection
  • Reduction of excess for replacement windscreens

All our car insurance policies come with a 21 day cooling off period. So if you change your mind within 3 weeks you can simply cancel your policy and get a full refund (as long as you haven't made a claim).


Comprehensive car insurance is the easy way to give yourself peace of mind. Whatever happens to your car – theft, damage or an accident* - you'll be able to replace it or get it repaired without losing your savings. With competitive premiums and great built-in features like emergency transport and accommodation cover*, this policy is as convenient as it is affordable.

Policy Benefits

All our car insurance policies have a great range of built-in features. These include our 21 day cooling off period, which means you'll get a full refund of your premiums if you change your mind within 3 weeks; and a choice of affordable annual, monthly or fortnightly premiums.

As well as insurance for any damage you cause to other vehicles, comprehensive insurance protects you for the loss or destruction of your own car. We'll cover the cost of any repairs, and if you buy your car brand new and it has to be written off within a year, we'll replace it with the same make and model.

Our insurance is quick and accessible, with no forms to fill in, just an instant online quote, so you could have complete insurance cover for your car within minutes.

We make claiming on your policy very simple too. You'll have easy access to our one-stop claims assessment centres and our expert claims team will manage the entire process of organising repairs to your vehicle. We also give a lifetime guarantee on the quality of authorised repairs for as long as you own the vehicle.

As well as the standard benefits, our comprehensive insurance has some excellent special features. For example, if your car is damaged in an accident we can pay up to $300 to transport you home or put you up in temporary accommodation*.

Save big with 1300 Insurance Rewards

When you purchase a new Comprehensive Car Insurance policy, we'll give you 12 months membership of our 1300 Insurance Rewards program, completely free.

With amazing discounts of up to 40% on hundreds of products and services, you could save over $1,000 on everyday costs such as groceries, travel and attractions with 1300 Insurance Rewards. There's no limit to how often you can use your 1300 Insurance Rewards card during your 12 month membership, so if you regularly take advantage of the discounts and offers you could save even more than you've paid for your Car Insurance.

How to buy

Buying our car insurance is quick and simple. Either call us on 1300 Insurance (1300 467 872) or get an instant online quote. Your insurance will start from the moment we accept your application.

Get a quote Phone us on 1300 467 872

*Conditions; limits and exclusions apply see Product Disclosure Statement for details

Important Policy Information

Insurance policies do not cover every eventuality. Before you purchase any insurance it's important to ensure you understand what is and isn't covered. You should carefully read the Product Disclosure Statement and be aware of what is excluded from cover and the conditions you will need to observe.

Download Policy Documents

Policy Exclusions

Some exclusions apply to this policy. Check the Policy Disclosure Statement for details before you buy your policy.

Have a question that you'd like us to answer?

1300 Insurance's car and home and contents insurance is offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) as an Authorised Representative of Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). Auto & General Services arranges the insurance on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the Product Disclosure Statement and Financial Services Guide before making a decision to buy insurance. Not available in NT.